Xapo Bank
Xapo Bank is a bitcoin-friendly bank debit card issued on Mastercard, rated 7.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Xapo Bank is the strongest fit for app store / play, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Xapo Bank · Bitcoin-friendly bank debit card |
| Official site | https://www.xapo.com |
| Best for | App Store / Play |
| Network | Mastercard |
| Rating | 7.1/10 (3.5★, 732 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $0 (included with membership) |
| Monthly / annual fee | $1,000/year membership (~$83.33/mo) |
| Top-up (deposit) fee | Not applicable |
| Minimum deposit | Not applicable |
| FX / conversion fee | 0% |
Verification and risk
| KYC required | Yes (full bank KYC) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (BTC, USDC, USDT) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Up to 5 virtual cards |
Billing
| Billing address | Global (100+ countries; excl. US/UK) |
| Billing country | Gibraltar / Global (50 countries); NOT US |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
What the issuer states on its own site
- Your dollar balance earns up to 4.6%* annual yield in USD Savings, paid daily in Bitcoin.
- Transact instantly in major currencies, 24/7, across the globe with no FX fees.
- Your dollars earn 4.6%* variable interest in USD Savings, paid daily in Bitcoin.
Source: https://www.xapo.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 546310 | Mastercard | Gibraltar | Debit | 210 | 149 | 71.0% |
We logged 149 cleared charges out of 210 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does Xapo Bank cost to run?
The cost lines stack like this: issuing it costs $0 (included with membership); the recurring charge is $1,000/year membership (~$83.33/mo); top-ups cost Not applicable; conversion is priced at 0%; you need Not applicable to get going. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Xapo Bank?
Xapo Bank asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (full bank KYC)
How can I fund Xapo Bank?
You can fund it with crypto (BTC, USDC, USDT), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Xapo Bank need?
Setting it up: the billing address type is Global (100+ countries; excl. US/UK); cards are issued against Gibraltar / Global (50 countries); NOT US; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Xapo Bank work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Xapo Bank trigger 3-D Secure?
Yes. Xapo Bank supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Xapo Bank?
The issuer allows Up to 5 virtual cards. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.